Tool - An incredible app for saving your passwords. I have been using LastPass for about a year and find it very useful for generating passwords, saving passwords and securing my long list of passwords. LastPass is a great tool and easy to use, especially if you have multiple computers, many secure accounts and a variety of passwords. There is both a free version and a paid version too. Side note: According to Webroot Threat Blog the worst password for 2015 was "123456." If this is your password, be on high alert, you will be hacked.

Tip - 95% of security breaches are human error. It's much easier for a scammer to hack YOU than to hack your computer. The most common practices that cause potential security breach:

Logging in on-line at a public location and feeling secure.

Visiting websites other than your own, and downloading files from these sites.

Reading your email and feeling safe clicking on links in your email.

Check out this infographic from a trusted source and Nice Guys Finish First supporter CyberWise .

Trick - Mind hack for passwords. If you have trouble remembering your passwords and you want an easier way to recall them, use this little mind hack. Develop a phrase that represents the site that needs password protection. For example, if you have an account at TD Bank and want to come up with a password (between 8 and 32 characters with at least 1 upper case letter and 1 number, no spaces, 1 special character: "TDisLike1GoldBar!" Easier to remember than random digits and harder to hack than usual. If you are not using a tool like LastPass (noted above), this mind hack might do the trick.

A fool thinks himself to be wise, but a wise man knows himself to be a fool.